Credit Manager ( Muthoot Finance)

To achieve disbursement target as per the business plan

To take prudent credit decision & sanction proposal based on available information and interact with the applicants 

To execute credit appraisal and monitor the same for the location

Ensure adherence to the policy & compliance in the location

To execute productivity as per the business plan

To ensure TAT as per the policy for seamless business operations

To ensure portfolio quality

To  maintain the approval rate as per the policy guidelines

To coordinate with the sales team and develop business strategies

Key Result Areas

Disbursement Target

Login to Sanction

Non Starter & Bounces in 6 MOB

Fraud Cases

Approval Ratio& Productivity (Planned Vs. Actual)

Behavioural Competencies

Intrapreneurship: Has business focus; Remains abreast with business and market realities and puts business in front

Strategic:  Visualizing business risks; having long-term vision and come up with priorities and ideas

Problem Solving: Ability to get to the root cause of the problem and come up with solutions

Decision Making: Using facts, data and experience, to take appropriate and timely decisions

Team Management: Ability to handle, motivate, coach and develop a team; ability to delegate tasks, conduct reviews and give constructive feedback